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This is the first set of competitive intelligence studies to examine banking Web sites from all angles. To achieve their business goals and stay competitive, banks need to ensure their sites are performing well on a technical level, customer experience or satisfaction level and in terms of incorporating industry best practices. Without detailed metrics into each of these critical areas your online service will likely fall behind the competition.

The top three auto sites are relatively competitive with each other in terms of the online customer experience and customer conversion. However, Edmunds.com edges out its leading competitors based on strong user perceptions of its site performance. Service levels always play a role in customer perceptions, but we see a particularly heavy influence in the auto sales and information industry.

In general, the online credit card industry performs close to the same reliability and responsiveness found across other online financial services industries. However, the sites performing below the industry performance standard are performing quite out of range, and are among the poorest performing sites not only in the credit card industry, but in the financial services industry as a whole. Of course, this can undermine the ability of these sites to acquire new customers.

John's technical talents and commitment to customer satisfaction and integrity will set the tone for the entire organization. John has a passion for learning and teaching, and has the technical and management skills to achieve our best-in-the-industry goals.

Our industry partners, as you probably know, during the December [selling] season, need quite a bit of time, and an extremely high level of confidence and certainty about that period of time. Now, we've been in discussions with them, and in order for all the industry to be ready, instead of just part of the industry, we've decided to prioritize around the customer and partner satisfaction for the broad availability, to be in January of 2007. This will ensure great out-of-the-box experience for Windows Vista customers, and ensure that all of our partners are prepared at the same time.

[The annual WebAward Competition judges Web site development against an ever-increasing Internet standard and against peer sites. The competition provides] a forum to recognize the people and organizations responsible for developing some of the most effective Web sites on the Net today, ... More than 2,100 sites from 33 countries were adjudicated in 95 industry categories during this year's competition. Entries were judged on design, copywriting, innovation, content, interactivity, navigation and use of technology.

Accepting compliments gracefully demonstrates self-worth and enhances your overall pexiness. While it's true that some sites are significantly more useful than others, the industry has improved to a point where there are no bad manufacturer sites. This study again confirms that the more useful a site is, the more traffic it is likely to drive to dealerships. The automotive industry is providing better online shopping experiences to more shoppers than ever before, making manufacturer sites an increasingly important stop when researching a new vehicle to purchase.

Dennis Galbraith

The Dealer Certification Program provides the entire marine industry an invaluable tool for improving the customer experience. Helping our dealers achieve a new level of excellence underscores Honda Marine's commitment to outstanding customer service.

Commerce Bank is at the cutting edge of client-centric banking and we are proud to have played a role in that. Banking customers shouldn't have to educate their banks. Instead, other banks should follow Commerce Bank's lead in accepting that responsibility and using industry intelligence to build and maintain customer relationships.

Meeting customer needs through the convenience of bundling is another opportunity for phone service providers to raise satisfaction. Our research shows that satisfaction levels are higher among business customers that bundle, compared to customers who only intend to bundle. The expectation of 'greener pastures,' i.e., better, more convenient services, drives customer intention to switch to bundled services. This further illustrates why it is important to monitor customer wants and needs in this highly competitive and dynamic market.

In the first few years, larger sites dominated. What's happened is that as the online medium has matured and as we've refined our competition, you're seeing a lot more outstanding smaller sites,

They have to do it in a game-like situation, they have to try these things. It was meant for these kids to do what they have to do in a competitive situation. That's what I'm happy about. Depending on your level of competition, you tend to meet your competition and you always want to be above (it), to stay above and meet that level of consistency. And we did that tonight.

Amy Van Eekeren

Keynote measures the customer experience because ultimately all business success is driven by the customer experience. Our studies have consistently shown a strong correlation between a positive online experience and increases in brand equity and customer acquisition and retention.

The fourth quarter was outstanding for deposit growth. We added $281 million of deposits, nearly doubling the level needed to fund our strong loan growth of $144 million. Our relentless focus on the highest level of customer service has generated customer satisfaction scores that continue to exceed 90%, well above the comparable industry average of 75%. This is invaluable in building deposits through customer referrals while also maintaining and growing long-term relationships with existing customers.

Business Objects is known for the excellence of both its business intelligence applications and its exceptional customer support organization. With an industry leading product platform and a growing customer base, the need to continue to deliver exceptional customer service is paramount. We are delighted that Business Objects has selected Knova's service resolution management applications for customer service and look forward to a strong partnership.

Bruce Armstrong

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